Over the past few years, the number of Coloradans who rely on a rideshare app, such as Uber or Lyft, for their transportation needs has been steadily increasing. The unfortunate reality is that with an increased amount of rideshares being utilized by Coloradans comes an increase in the number of car accidents that involve a rideshare. The aftermath of a car accident with an Uber or Lyft can involve more complex issues then your average car accident in Colorado. The attorneys at McDivitt Law Firm are highly experienced and will be able to offer assistance after you are involved in a car accident with a rideshare.
Who is responsible for a car accident involving a rideshare?
In the State of Colorado, rideshare drivers are required to be covered by liability insurance. Uber and Lyft are two rideshare companies that offer liability coverage for their drivers. For example, Uber has the following insurance provided depending on the status of the driver:
Driver app is off or the driver is offline:
The driver’s personal insurance company and coverage will apply.
The driver is available or waiting for a ride request:
Uber maintains auto insurance on the driver’s behalf in case of a covered accident:
Third-party liability if your personal auto insurance doesn’t apply
- $50,000 in bodily injury per person
- $100,000 in bodily injury per accident
- $25,000 in property damage per accident
The driver is enroute to pick up a rider and during trips:
Uber maintains the following auto insurance on your behalf in case of a covered accident:
- $1,000,000 third-party liability
- Uninsured/underinsured motorist bodily injury and/or first-party injury insurance²
- Contingent comprehensive and collision³
- Up to actual cash value of car with a $2,500 deductible
*Uninsured/underinsured motorist bodily injury coverage and first-party injury coverage limits vary by state.
What should I do after I have been in a car accident with a rideshare?
There are three main ways that you could be involved in an accident with a rideshare driver: (1) as a passenger in the rideshare; (2) as a pedestrian; and (3) as a driver in another vehicle on the road. All three of these scenarios can be scary and confusing and depending on the severity of the accident you may be entitled to receive compensation for the damages that you suffered as a result of the rideshare. The following steps should be taken if you are involved in a car accident with a rideshare:
1.Ensuring Safety First
The immediate aftermath of a car accident can be chaotic and stressful. Regardless of whether you are the passenger, the rideshare driver, or another party involved, your safety should be the top priority. Make sure everyone is safe, and if anyone requires medical attention, call 911 immediately. Document the scene, take photos, and exchange insurance information if possible. These steps will help preserve critical evidence for any potential legal claims.
2. Gathering Information
The immediate aftermath of a car accident can be chaotic and stressful. Regardless of whether you are the passenger, the rideshare driver, or another party involved, your safety should be the top priority. Make sure everyone is safe, and if anyone requires medical attention, call 911 immediately. Document the scene, take photos, and exchange insurance information if possible. These steps will help preserve critical evidence for any potential legal claims.
a. Names, contact information, and insurance information of all parties involved.
b. Photos of the accident scene, vehicle damage, and any injuries.
c. Statements from witnesses.
d. The rideshare driver’s name and any information about the ride.
e. A police report, if one is filed.
3. Reporting the Accident
Notify Uber or Lyft about the accident through their respective apps or websites. Additionally, you should report the accident to your own insurance company, even if you were a passenger. The rideshare company will conduct its own investigation into the incident, and having your own insurance informed ensures you are not left without coverage.
4. Seeking Legal Counsel
If the accident resulted in significant injuries or disputes over liability and compensation, it’s wise to consult a Colorado accident lawyer. They can help you navigate the complex legal aspects, deal with insurance companies, and pursue a claim if necessary.
When to seek legal representation in Colorado
- You’re not at fault but face difficulties in obtaining fair compensation.
- You’ve suffered severe injuries or long-term consequences.
- Multiple parties were involved, making liability unclear.
- You face disputes over insurance coverage and compensation.
In the event of a car accident involving a rideshare service like Uber or Lyft in Colorado, it’s essential to prioritize safety, understand the insurance coverage, and gather thorough information. When necessary, consult a Colorado accident lawyer who can help protect your rights and interests, ensuring that you receive the compensation you deserve. While ridesharing has transformed our transportation landscape, accidents can still happen, and it’s crucial to be prepared for the legal challenges that may arise.
